Personal current account

A personal current account is a bank account for your everyday use. You can put money in and take it out on demand. It often includes a debit card and online banking. You can also set up regular payments.

Some current accounts let you apply for other products, like an overdraft or chequebook.

Unlike a savings account that earns interest, current accounts are for regular use. People use them to manage their income and pay bills. They do not usually earn interest.

Use our comparison table to explore the current accounts we offer.

You can apply for a personal current account online, over the phone, or in your local branch.

• Online – Choose the device (mobile or computer) you want apply on and get your details ready. You will need to upload:
  • A valid form of photo ID
  • Proof of address

Here’s a list of acceptable documents. Then follow the on-screen instructions. We’ll ask you to take a selfie in the application form, so make sure you are camera ready.

• Branch – Visit your local branch and fill in the application form using a Kiosk or with the help of a staff member. You can give your photo identification (ID) and proof of address to a branch staff member, or you can upload them yourself using the link that will be emailed to you after you submit the application.
• Phone – Call one of our agents on 0818 354 454 (or +353 1 404 4034 outside the Republic of Ireland) and complete an application over the phone. Lines are open 9am to 5pm, Monday to Friday. The agent will fill in the application for you; just provide your details during the call. When the agent submits the application, you will receive an email with a link to upload your photo identification (ID) and proof of address.

When you submit your application, you’ll get an email from us with a copy of important documents. Take some time to read through them. If your application is successful, we’ll text you your BIC and IBAN within three days. Take note of these details and keep them safe.

A monthly fee of €6 is charged on Personal current accounts for product key features including:

• card payments in euro;
• account transfers in euro up to €20,000 a day;
• cash withdrawals in euro at ATMs,
• and access to a digital wallet.

There may be charges for things like Government Stamp Duty, and when you make international and non-euro payments.

For details on the fees and charges on our Personal current account, see our Schedule of Fees and Charges for Personal Customers and our Schedule of International Transaction Charges.

These brochures are also available in any Bank of Ireland branch.

You can apply for a joint personal current account online, over the phone, or in your local branch.

• Online
  Step 1: Applicant 1 fills in their part of the online application form. They upload their photo ID and proof of address. They take a selfie as part of the application before they submit it.
  Step 2: Applicant 2 will receive a link by email. They can use this link to fill in their part of the application.
  Step 3: Applicant 2 needs to upload photo ID and proof of address as part of their application. They will also need to take a selfie to authenticate themselves.
  Step 4: When we receive the two forms, we will start reviewing your request.

• Branch:

  Visit your local branch and fill in the application form using a Kiosk or with the help of a staff member. Applicant 1 and Applicant 2 can give photo ID and proof of address to a branch staff member. You can also upload the photo ID and proof of address yourself. This can be done using the upload link that will be emailed to you after you submit the application.

• Phone:

  Call one of our agents on: 0818 354 454 (or +353 1 404 4034 outside the Republic of Ireland) Lines are open 9am to 5pm, Monday to Friday. The agent will fill in the application for you; just give them your details during the call. When the agent submits the application, Applicant 1 (you) and Applicant 2 will receive an email. This will have a link to upload your photo ID and proof of address.

To apply for a Personal current account online, you must be:

• Aged 18 and over
• Resident in the Republic of Ireland OR moving to the Republic of Ireland in the next 45 days.

You can also open with another person as a joint account.

Yes. You can apply for a current account if you are not an Irish national and are resident in the Republic of Ireland. Our current account comparison table lets you compare the different types of current accounts we have. After you submit your application, you may be asked to provide more information like evidence of source of funds, or your source of money. If more information is required, we will email you.

If you are not resident in the Republic of Ireland: But you plan to move to the Republic of Ireland in the next 45 days, you can apply for a Personal current account.

If you have any questions, please contact us on the numbers below.

Extra help

• If you are applying for international protection
• If you need help with language accessibility

You can find some helpful links below:

boi.com/extrahelp